<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> Dec-31-1999 <PERIOD-END> Dec-31-1999 <CASH> 76,527 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 24,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 625,645 <INVESTMENTS-CARRYING> 5,042 <INVESTMENTS-MARKET> 5,084 <LOANS> 1,009,223 <ALLOWANCE> 13,421 <TOTAL-ASSETS> 1,840,702 <DEPOSITS> 1,360,306 <SHORT-TERM> 254,000 <LIABILITIES-OTHER> 18,091 <LONG-TERM> 70,000 <COMMON> 7,640 <PREFERRED-MANDATORY> 29,817 <PREFERRED> 0 <OTHER-SE> 100,847 <TOTAL-LIABILITIES-AND-EQUITY> 1,840,702 <INTEREST-LOAN> 84,853 <INTEREST-INVEST> 38,996 <INTEREST-OTHER> 38 <INTEREST-TOTAL> 123,887 <INTEREST-DEPOSIT> 42,774 <INTEREST-EXPENSE> 55,947 <INTEREST-INCOME-NET> 67,941 <LOAN-LOSSES> 5,136 <SECURITIES-GAINS> (638) <EXPENSE-OTHER> 52,733 <INCOME-PRETAX> 25,559 <INCOME-PRE-EXTRAORDINARY> 25,559 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 17,635 <EPS-BASIC> 2.45 <EPS-DILUTED> 2.42 <YIELD-ACTUAL> 4.46 <LOANS-NON> 4,666 <LOANS-PAST> 1,047 <LOANS-TROUBLED> 122 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 12,441 <CHARGE-OFFS> 5,288 <RECOVERIES> 1,132 <ALLOWANCE-CLOSE> 13,421 <ALLOWANCE-DOMESTIC> 13,421 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,065